This is my opinion and a summary of what I have learned and observed. If you need legal advice, contact a lawyer. I am not a lawyer.There are two schools of thought about people who hide their assets, or through careful planning, own nothing. Some think this is evil, and a sign of being a scoundrel. Others think hiding assets is smart. Someone who hides their assets before or during a lawsuit may both be smart and a scoundrel.Scoundrels like...more
One of the biggest problems facing people today is high debt. Everyone is looking for help and finding great debt advice UK can be difficult if you do not know where to look. Many companies offer free debt advice for people that have found themselves in a financial situation that they are not comfortable with. No one enjoys having high debt hanging over his or her head. Finding solutions to help one deal with financial mistakes does not have to...more
Have you ever done a survey online before? A lot of companies have incentives by rewarding you with discounts to your favorite restaurants or movies for example. After accumulating so many points, you may cash these points in for gift cards, rebates, or coupons to use at the store or online. Using rebates for discounts is simple!There are a lot of places online that you can earn rebates. If you rent so many movies, you might earn a rebate by cash back or earn a free movie. Or there is a special online sale at your favorite online store. After spending so much, you receive a rebate coupon via email or a free item!Offline, your favorite store is having a sale. You go in and shop, spend $100 or more, and receive a $25 rebate or coupon to use on the next shopping trip. Another idea is to accumulate points just like online, or receive a rebate form to fill out. You simply follow the directions on the form to receive cash back or another item for free. You will have to keep cash register receipts and UPC codes from the products to turn everything in along with the rebate form. You can add these up quick along with coupons to further savings while shopping. You can do this also...more
Anyone in the UK who is in debt and considering bankruptcy should always approach a debt management company first, so see if there are any alternative solutions that may have less drastic and long lasting consequences.Individual Voluntary Arrangement – The UK Debt Solution By: K D Garrow About the Author Find out more about...more
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Are you not able to pay-off your debts? Do you want to become debt free? Here is a solution! This article is for those distressed people who have tried all the possible ways to pay-off their outstanding debts. One can now ignore their worries to payoff unsecured debts as debt settlement program can reduce the debt payments and can make you debt free. It is actually possible by enrolling to a debt settlement program provided by a debt settlement company. There are many debt settlement companies that negotiate with the creditors on your behalf to settle a deal beneficial for both the creditor and the borrower. It is not always a good idea to approach to the creditor directly for negotiating the debt reduction deals and therefore, the need of debt settlement companies becomes more important for maximum relaxation. Consider the following points for choosing a specialized settlement company for best results:1.Have expert advisors to tackle your outstanding debts properly2.Have handled lots of similar cases, making them experienced in providing you apt solutions.3.Debt settlement specialists have appropriate negotiating skills and techniques4.These specialists have day-to-day business...more
The consumer who starts to investigate ways to consolidate debt is treading in popular yet dangerous waters. The temptation to roll all debts into one manageable monthly amount makes sense in theory, but there's also the temptation to take out...more
DEBT FREE. The two words almost all American consumers hope to one day say about themselves. The fact is that they are harder to say than even I DO. Several decades of a strong economy and a lot of free spending gave consumers a sense of...more
Consolidation of Debts - Good Idea? Debt consolidation refers to taking out one large loan to pay off all of your smaller loans such as credit card debt. Like all financial maneuvers to get out of debt quickly, this one has its pros and cons. One pro...more
It is no different from any other major purchase. You would research the make, reliability, price and performance if you were buying a new fridge, cooker or car. Do the homework before joining a holiday club and you can be sure you'll be...more
Rolling all credit card payments into one neat bundle, and at a lower amount, is one of the most popular methods of becoming debt free. With more and more consumers up to their knees in unsecured loans, the notion of doing a consolidation of debt...more
There are two types of financing available: equity financing and debt financing. Debt Financing Debt financing means a loan (money that must be paid in a given period, usually with interest). Debt financing is either short term (the loan is paid in...more